Author Name
Ms Aiswarya Lakshmi T and Krishna Venkatesh
Abstract
This study evaluates the financial performance of the State Bank of India before and after its merger with associate banks.
The banking sector plays an essential role in economic development, and mergers are often implemented to strengthen financial institutions and improve operational efficiency. The merger of State Bank of India with its associate banks in 2017 was one of the most significant consolidation initiatives in the Indian banking sector. This research evaluates financial performance using ratio analysis, trend analysis and statistical techniques. Key indicators such as Return on Assets, Return on Equity, Net Profit Margin, Capital Adequacy Ratio and Liquidity Ratio are examined. The findings indicate that while profitability ratios experienced temporary decline during the integration phase, operational efficiency and financial stability improved over time. The study highlights the importance of evaluating mergers from a long-term perspective since structural improvements often take time to reflect in profitability indicators.
Key Words:Bank Mergers, Financial Performance, SBI Merger, Ratio Analysis, Capital Adequacy Ratio, Liquidity
Published On :
2026-03-04
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